Fedmont Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.1 and a net worth ratio of 0.0. A current level of 0.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 93.6 percent and a “hot money” ratio of 3.4 percent. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Good (5.7) profitability.
Asset Mix:
Consumer loans (25%), other (75%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
330 Eastdale Circle
Montgomery, AL 36117
Montgomery, AL 36117
Phone Number
(334) 270-5532
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL